我国电子支付与经济增长的关系  

The Relationship between Electronic Payment and Economic Growth in China

作　　者：帅青红[1] 李成林 胡宏鑫 苗苗[2] Shuai Qinghong1;Li Chenglin2;Hu Hongxin3;Miao Miao4

机构地区：[1]西南财经大学经济信息工程学院 [2]西南交通大学经济管理学院

出　　处：《财经科学》2018年第9期74-85,共12页Finance & Economics

基　　金：2014年国家社科基金资助项目“宏观和微观视角下的互联网金融监管研究”(14BGL186);2013年四川省哲学社会科学规划重点项目“支付创新对金融系统流动性影响”(SC13A007)的系列研究成果之一

摘　　要：本文基于电子支付及GDP相关数据，对我国电子支付与经济增长的关系进行计量分析。研究发现：网上支付、移动支付与经济增长之间不存在长期稳定关系；电子支付中的移动支付和网上支付在短期内都对经济增长具有较为显著的促进作用，之后逐渐减小，趋于相对稳定；同时，经济增长对于移动支付和网上支付的促进作用具有滞后性；方差分析结果表明，电子支付在经济增长的贡献度中，移动支付贡献增长速度逐渐减弱，相反网上支付增长速度增强。总体而言，网上支付对经济增长的促进作用超过移动支付．此外，经济增长对于电子支付中的网上支付和移动支付都具有较大的贡献度。This article analyzed relationship between e-payment and economic growth in China based on the quantitative data of electronic payment and GDP. The study found that although there is no stable relationship in long-term, mobile payment and online payment possess a significant pulling impact on economic growth in short run, and then gradually reduced. On the other hand, the promotion effect of economic growth on mobile payment and online payment is considered to be lagged. For the contribution of electronic payment to economic growth, the growth rate of mobile payment contribution has gradually weakened, and on the contrary, the growth rate of online payment has increased. Online payment, in conclusion, plays a more important role to boost economic growth comparing to mobile payment. In addition, economic growth has a greater contribution to both online and mobile payments in electronic payments.

关 键 词：电子支付 网上支付 移动支付 经济增长 

分 类 号：F061.2[经济管理—政治经济学]